Germs aren’t magic, and they can’t get through unbroken skin. They need an entry point.
I wash my hands frequently.
I don’t touch my face, and especially don’t touch any body fluids like saliva or mucus, so don’t get any on my hands.
I never sneeze or cough (unless I’m actually in full sickness mode) so I don’t spread anything that way (some people seem to sneeze all the time for no reason, which is massively disgusting).
I use hand sanitizer before, during and after being in public, so highly unlikely I’ll spread germs from my own environment.
I use hand sanitizer if I touch any public object.
I use a UV sanitizer when I get home on my phone, wallet etc that might have come into contact with any germs.
Obviously that doesn’t mean 100% chance of avoiding any infection, accidents can happen. The biggest risk to me is if someone sneezes directly on me (although again it can’t get through unbroken skin). The biggest risk from me is a lapse in my usual behaviour.
Despite everything, fear is far more contagious than this virus. So no, I won’t become a prisoner because of other people’s fear.
BTW, I haven’t had the flu in close to 30 years. That stuff above works.